Our accounts are 100% separate, and the only concern I have is that half of the maintenance - rent, food, utilities, cable, internet.. is there when it needs to be. What she spends the rest of her money on is none of my concern, and vise versa.
Even if we do get a shared account, it will only be for saving or purchases that we want to always split. If will not be calling my SO for "permission" to buy anything, ever. If I work for my money, I will spend it how and when I please.
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"I'm typing on a computer of science, which is being sent by science wires to a little science server where you can access it. I'm not typing on a computer of philosophy or religion or whatever other thing you think can be used to understand the universe because they're a poor substitute in the role of understanding the universe which exists independent from ourselves." - Willravel
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